Engevik Saleski Group

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Engevik Saleski Group Senior Wealth Advisory Team
IG Wealth Management Inc. Executive Financial Consultants
IG Wealth Management Inc. Mutual Fund Division

🍂 Happy Thanksgiving from all of us at Engevik Saleski Group! 🦃As we celebrate this Thanksgiving, we’re reminded of how ...
10/11/2026

🍂 Happy Thanksgiving from all of us at Engevik Saleski Group! 🦃

As we celebrate this Thanksgiving, we’re reminded of how much we have to be grateful for. We’re incredibly thankful for the trust our clients place in us and for the opportunity to help you and your families plan for the future.

From our team to yours, we wish you a wonderful Thanksgiving filled with gratitude, happiness, and time with the people who matter most.

Wishing you and your family all the best this Thanksgiving! 🍁

Could your RRIF be creating a future tax problem?Many Canadians focus on how much they can withdraw from their RRIF each...
10/05/2026

Could your RRIF be creating a future tax problem?

Many Canadians focus on how much they can withdraw from their RRIF each year—but the bigger question is:

How should you strategically draw down your RRIF over time?

A properly designed RRIF meltdown strategy can help you:

• Manage your taxable income and tax brackets
• Reduce the potential for larger mandatory withdrawals later
• Minimize the tax burden on your estate
• Coordinate RRIF withdrawals with CPP and OAS
• Create a more predictable retirement income
• Potentially preserve more wealth for the next generation

The goal isn’t simply to withdraw money from your RRIF.

The goal is to withdraw it at the right time, in the right amount, and in the most tax-efficient way possible.

For high-net-worth Canadians, RRIF planning can be an important part of an overall retirement and estate strategy.

If you’re approaching retirement or already drawing income from your RRIF, it may be worth asking:

“Am I withdrawing from my RRIF strategically—or simply because I’m required to?”

This post is for educational purposes only and does not constitute financial, tax, or investment advice. Individual circumstances vary. Speak with your financial and tax professionals before implementing a strategy.

FinancialPlanning EstatePlanning CanadianRetirement

One of the biggest retirement-planning decisions Canadians face is when to start Canada Pension Plan (CPP).It’s easy to ...
09/16/2026

One of the biggest retirement-planning decisions Canadians face is when to start Canada Pension Plan (CPP).

It’s easy to assume that starting at 60, 65, or 70 is automatically the “right” answer—but your ideal timing can depend on much more than the size of your monthly CPP payment.

Things like:

• Your health and life expectancy
• Other sources of retirement income
• RRSP/RRIF withdrawals
• OAS and potential clawback
• Your tax situation
• Cash-flow needs
• Your spouse’s retirement income
• Your overall retirement plan

CPP should be considered as part of the bigger picture—not in isolation.

We put together this quick guide highlighting 7 common CPP mistakes Canadians should be aware of.

📣 Okanagan Tax & Retirement Planning SeminarAre you approaching retirement with $500,000+ in investable assets?Retiremen...
09/09/2026

📣 Okanagan Tax & Retirement Planning Seminar

Are you approaching retirement with $500,000+ in investable assets?

Retirement planning isn’t just about how much you’ve saved — it’s about how efficiently you use it.

Join us for our upcoming Tax & Retirement Planning Seminar in Kelowna, where we’ll cover practical strategies to help you:

💰 Reduce taxes throughout retirement
📊 Make smarter RRSP & TFSA decisions
🇨🇦 Optimize CPP, OAS & government benefits
📈 Protect and grow your retirement savings
🛡️ Plan for market volatility and sequence-of-returns risk
🏡 Understand the tax implications of your estate
👨‍👩‍👧‍👦 Leave more of your wealth to the people you care about

📅 Saturday, October 17, 2026
🕙 10:00 AM – 11:30 AM
📍 Kelowna Golf & Country Club
☕ Coffee & water will be served

This is an educational session with no obligation, designed for individuals and couples who want to take a more proactive approach to their retirement and tax planning.

🎟️ Space is limited.

Want to attend? Send us a DM with the word “SEMINAR” and we’ll send you the registration details.

We look forward to seeing you there!

Engevik Saleski Group

As we gather with loved ones and reflect on the year, I’m reminded that true wealth isn’t just measured in numbers—it’s ...
10/13/2025

As we gather with loved ones and reflect on the year, I’m reminded that true wealth isn’t just measured in numbers—it’s found in the relationships we build, the goals we help achieve, and the peace of mind we bring to others.

This Thanksgiving, I’m especially grateful for the trust my clients place in me. Whether it’s navigating retirement, optimizing tax strategies, or building a legacy for future generations, it’s an honor to walk alongside you in your financial journey.

To my colleagues, partners, and clients—thank you for making this work so meaningful.

Wishing you a season filled with warmth, connection, and clarity.

Happy Thanksgiving!

💡 Why Maximizing Your Employer Defined Contribution Plan is One of the Smartest Financial Moves You Can MakeMany Canadia...
10/04/2025

💡 Why Maximizing Your Employer Defined Contribution Plan is One of the Smartest Financial Moves You Can Make

Many Canadians leave money on the table every year by not fully taking advantage of their employer’s defined contribution (DC) pension plan. If your employer matches your contributions—even partially—that’s an instant, guaranteed return on your money.

✅ Example:
One professional I worked with earned $200,000/year. Their employer matched contributions up to 8% of salary, but they were only contributing 2%. Once we adjusted their plan and bumped contributions to the full 8%, the benefits were immediate:
• Their own contribution: $16,000/year
• Employer match: another $16,000/year — free money!
• Total added to retirement savings: $32,000/year
• Over 20 years (assuming a 6% annual return), that extra match grows to $1.17M+ of additional wealth.

That’s the power of maximizing your plan—it’s not just your money at work, but also your employer’s contributions compounding for decades.

👉 If you’re not sure how much you should be contributing—or how it fits into your broader retirement strategy—it’s worth a conversation. Small changes today can lead to life-changing results down the road. Learn more ➡️ www.engeviksaleskigroup.com

🔑 Don’t leave free money on the table.

09/28/2025

🧭 Approaching Retirement? Here’s How to Plan Smarter, Not Harder

If you’re within 5–10 years of retirement, now is the time to shift from accumulation to preservation. Financial planning in this phase isn’t just about saving more—it’s about making strategic moves to protect your future lifestyle.

Here are a few key strategies every pre-retiree should consider:

💡 1. Revisit Your Retirement Income Plan
Don’t just guess—map out your income sources (pensions, RRSPs, TFSAs, non-registered accounts) and estimate your monthly cash flow. Consider when to draw CPP/OAS and how to optimize withdrawals for tax efficiency.

🛡️ 2. Stress-Test Your Portfolio
Can your investments weather a market downturn right before retirement? Now’s the time to assess risk exposure and rebalance toward more stable, income-generating assets—without sacrificing growth.

📉 3. Minimize Taxes in Retirement
Strategic RRSP withdrawals, pension income splitting, and TFSA contributions can significantly reduce your tax bill. A well-planned decumulation strategy can make your money last longer.

🏥 4. Plan for Healthcare Costs
Don’t overlook long-term care and medical expenses. Consider insurance options and build a buffer into your retirement budget for unexpected health-related costs.

🔐 5. Update Your Estate Plan
Wills, powers of attorney, and beneficiary designations should reflect your current wishes. It’s not just about wealth transfer—it’s about peace of mind.

Retirement isn’t a finish line—it’s a new beginning. Let’s make sure you’re ready to enjoy it with confidence.

💬 What’s one financial move you’ve made recently to prepare for retirement?

Why Smart Investors Think About Taxes Before They InvestIn investing, it’s not just what you make — it’s what you keep.T...
08/28/2025

Why Smart Investors Think About Taxes Before They Invest

In investing, it’s not just what you make — it’s what you keep.

Tax-efficient strategies can help you grow your portfolio and minimize the drag of unnecessary taxes.

✅ Asset Location Matters – Place tax-inefficient investments (like bonds or REITs) in registered or tax-advantaged accounts, while keeping tax-efficient assets (like broad equity ETFs) in taxable accounts.
✅ Leverage Tax-Advantaged Accounts – Contribute to RRSPs, TFSAs, or other available retirement/savings plans to shelter growth.
✅ Harvest Losses Strategically – Offset capital gains with capital losses to reduce your tax bill.
✅ Hold for the Long Term – Preferential tax treatment on long-term gains can mean more money compounding for you.

The goal isn’t to avoid taxes — it’s to align your investment approach with the tax rules so you can build wealth more efficiently.

Schedule a meeting with our team to learn more www.engeviksaleskigroup.com

Address

600-1631 Dickson Avenue
Kelowna, BC
V1Y9X1

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm
Sunday 9am - 5pm

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